Disability - Social Sec SSDI Flashcards
Which two conditions can qualify one for SSDI?
Either total disability (unable to work at all) or person is suffering from a condition that may end on death.
What happens to SSDI payments when the recipient reaches retirement age?
They continue as retirement benefits at the same level as before. Note that SSDI payments become retirement payments at the disabled persons FRA.
How many credits are necessary to collect SSDI?
Less than age 24 - 6 credits
Age 24 to 31 - Must have worked in SS covered employment 50% of the time between age 21 and the age of disability
Age 31 to 40 - 20 credits
Age 41 and Above - 40 (20 of which were earned in the ten years prior to onset).
How is SSDI benefit calculated for the primary recipient?
Assuming you meet the strict qualification requirements to get benefits, and have the necessary credits:
The SSDI benefit is based on your average lifetime earnings. One can earn an SSDI benefit that is equal to 100% of the retirement benefit based on retirement at FRA (given their pre disability average lifetime earnings).
How is the SSDI benefit calculated for the following:
Dependent Child?
Spouse?
Spouse caring for dependent child?
Dependent Child - 50%of the primary insured’s benefit as long as under 18, or 19 if still in school and unmarried.
Spouse - At spousal FRA, can apply for spousal benefit equal to 50% of primary insured’s benefit (this is essentially a spousal retirement benefit). If applied for earlier (as early as age 62), then the benefit will be reduced.
Spouse Caring for Dependent Child - A spouse caring for a disabled workers dependent child is eligible for a benefit equal to 50% of the disabled spouses benefit regardless of age.
